Home warranties are essential for homeowners in Arizona, offering financial protection and peace of mind amidst the state's extreme weather conditions. With Arizona's intense heat and monsoon storms in Arizona putting a strain on home systems and appliances, these services cover repair or replacement costs.
Leveraging the knowledge of experts in the field, we selected, reviewed, and ranked our picks for the best home warranty services in Arizona. We outline what to consider when choosing protection for your unique needs, from coverage to exclusions, customer ratings, and more. Explore our expert picks below.
» Find out why you should get a home warranty plan.
Our Top 5 Best Home Warranty Companies in Arizona in 2024:
- Select Home Warranty - Best home warranty company in Arizona overall
- American Home Shield - Best for customizable plans
- Liberty Home Guard - Best for local specials and discounts
- Home Warranty of America - Best for comprehensive coverage
- First American Home Warranty - Best for high payout limits
How We Reviewed the Best Home Warranty Companies in Arizona - Our Methodology
When we review home warranty services, we utilize a thorough evaluation process in collaboration with Sunday Odudu, an expert in insurance, renovations, and home warranties. We perform extensive research, gathering insights from academic studies, customer reviews, industry reports, and real-world testing.
Evaluation Process
By integrating analysis with in-depth research, we review home warranty in Arizona providers from multiple perspectives. We analyze user feedback to identify the strengths and weaknesses of each provider so you can make the most informed decision. We also research how long companies have been operating in the industry.
We compare each service's prices to their value and scrutinize sample contracts, paying particular attention to the fine print. We also evaluate how easy and fast it is to file a claim from a policyholder's perspective, including how quick and helpful customer service is.
Evaluation Criteria
Our evaluation criteria include the following:
- Local experience: We specifically look for companies that have been working in California for a while since they're more familiar with local issues and regulations. They should also have a lot of local contractors to choose from.
- Pricing: We check how much each service costs to make sure it's affordable and gives you the coverage you need.
- Coverage options: We look at what each plan covers to see if it can meet different homeowners' needs.
- Customer service: We see how fast and helpful the customer service is. Good support means they can sort out any problems quickly and easily.
- Claims process: We check how simple and quick it is to file a claim so we can determine how useful the service is in real life.
- Company reputation: We find out what people think about the company by looking at how long they've been around, what customers say about them, and any awards they've won.
- Contract transparency: We determine if the contract terms are easy to read and understand, especially the fine print about what's not covered.
A Closer Look at Our Best Home Warranty Companies in Arizona in 2024: Our Quick Reviews
1. Select Home Warranty
Best home warranty company in Arizona overall
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Delivering maximum coverage at minimal costs
- Best for - Affordable premiums and service fees
- Average annual premium - $432–$765
- Contractors - 10,000 in-network
- Service call fee - From $60–$75
- Service requests - 24/7 online and by phone
It's common for houses to have roofing defects in Arizona, so you benefit from Select Home Warranty's (SHW) free roof leak repairs. Valued at $99, this is conveniently available on all three plans.
Select Home Warranty's comprehensive Platinum Care is an ideal option to protect yourself against expensive repair costs for electronics. Arizona's extreme temperatures can force appliances like air conditioners and refrigerators to work relentlessly and eventually overheat.
Why we chose Select Home Warranty: SHW has coverage plans costing as low as $36/month—less than 2% of an average monthly mortgage in Arizona—making it a highly affordable option for homeowners. Its network of independent contractors also provides swift service, contacting you within 48 hours after you file a claim.
Client perspective: Andrew (56) from Tuscon said he had two claims since purchasing his warranty with Select Home Warranty. "With Select, my washing machine and AC were fixed in less than 48 hours." They quickly sent out another technician to look at his AC. "All my calls with SHW had little to no hold time, and everyone was helpful and kind."
Select Home Warranty Plans and Coverage
Pros
- Low-cost premiums
- Two months of free service when you sign up
- Provides a 90-day repair guarantee
Cons
You can't choose your service technician
Doesn't cover preexisting conditions
2. American Home Shield
Best for customizable plans
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Comprehensive plans for Arizona homes
- Best for - Customizing your warranty package
- Average annual premium - $383.88–$1,159.84
- Contractors - 17,000 vetted contractors
- Service call fee - From $75-$125
- Service requests - 24/7 online and phone
American Home Shield's ShieldPlatinum plan pays up to $4,000 to repair or replace damaged appliances. It also covers major systems crucial for homeowners in the state, such as pool equipment and plumbing, including fixtures prone to leaks. This is especially important for Arizona's monsoon season, when heavy rains can damage drainage systems.
American Home Shield contacts you within an hour of a claim and usually offers next-day appointments. And with the company's workmanship guarantee, it will send a technician to correct a faulty repair for free within 30 days.
Why we chose American Home Shield: Unlike most providers, American Home Shield covers undetectable preexisting conditions in your home without requiring a prior inspection.
Client perspective: Cathy (61) from Scottsdale said her online claim process got an immediate response. "The scheduling was fast and easy, and the tech was very knowledgeable and diagnosed the problem quickly." Additionally, American Home Shield ordered the part she needed and installed it seamlessly.
American Home Shield Plans and Coverage
Pros
50+ years of experience
High coverage limits
You can choose your contractors in some instances
Cons
Live chat isn't available
Mixed customer reviews
3. Liberty Home Guard
Best for local specials and discounts
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Skilled technicians and responsive service
- Best for - Homeowners looking for reliability and a quick claims process
- Average annual premium - $600–$750
- Contractors - 10,000 in-network
- Service call fee - $65-$125
- Service requests - 24/7 online and by phone
Liberty Home Guard caters to unique needs with flexible home warranty options, including coverage for well pumps—an everyday necessity in many Arizona communities.
The company has excellent customer service, providing responsive and knowledgeable support for claims processing and inquiries. Liberty Home Guard doesn't require an initial home inspection. This saves you time and lets you get coverage in place quickly.
Why we chose Liberty Home Guard: It has a "No-Annual-Cap" policy, meaning it doesn't limit coverage on repair or replacement costs, and a 60-day quality guarantee on all repairs.
Client perspective: Karl (59) from Phoenix said he had an issue with garbage disposal and wasn't getting the expected service. "Liberty Guard reimbursed me for all charges and ensured the garbage disposal was handled." The service was prompt, and the company followed up numerous times.
Liberty Home Guard Plans and Coverage
Pros
Six months of free coverage if you pay premiums online ahead of time
You get 45 optional add-ons, higher than the industry average of 10
Access to 24/7 emergency services for financial security in a crisis
Cons
Sample contracts make it unclear which items are covered
High spa and pool coverage costs
4. Home Warranty of America
Best for comprehensive coverage
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Flexible options to cover basic needs
- Best for - Robust appliance coverage
- Average annual premium - $553–$720
- Contractors - N/A
- Service call fee - $75-$100
- Service requests - 24/7 online, by phone during regular business hours
Home Warranty of America's (HWA) Platinum Plan covers repairs for expensive saltwater pool equipment like pumps, filters, and chlorine generators. This ensures your pool will work properly even during summer heat waves.
Home Warranty of America has a 13-month home warranty plan, which means you get an extra month of coverage after the first year.
Why we chose Home Warranty of America: With qualified Energy Star products, Home Warranty of America's Green Plus program lets you replace older appliances, like washing machines, refrigerators, and furnaces.
Client perspective: Mary (45) from Phoenix said Home Warranty of America gives her peace of mind. "I've used their service for a few things over the years (fridge, oven, water heater, and dishwasher), and they've always been wonderful." Submitting a claim is quick and easy. If they can't fix it, they replace it.
Home Warranty of America Plans and Coverage
Pros
30-day money-back guarantee
Transferable warranty if you sell your home
Access to a network of qualified service technicians
Cons
Inconsistent claims approval
Mixed customer reviews
5. First American Home Warranty
Best for high payout limits
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A provider with decades of industry experience
- Best for - High payout caps
- Average annual premium - $564 - $1,044
- Contractors - N/A
- Service call fee - From $75-$125
- Service requests - 24/7 phone and online claims service
First American Home Warranty provides quality coverage for Arizona homeowners who might get termite infestations. The state sits atop a major termite belt where these pests thrive in hot, humid conditions. First American Home Warranty's real estate plans offer add-on coverage for subterranean termite treatment.
Arizona's dry climate takes a toll on HVAC systems over time. Luckily, First American Home Warranty's Essential and Premium plans cover repairs for these. And with their quick claims process, you can expect a reply from a local contractor within 30 minutes.
Why we chose First American Home Warranty: First American Home Warranty has over 35+ years of experience and has served over 590,000 customers. Its $3,500 coverage cap per appliance is competitive in the industry.
Client perspective: Grace (63) from Glendale's refrigerator stopped working. "I got online with First American Home Warranty and submitted our claim. Within a few hours, the repairman diagnosed that a replacement was necessary. The company checked back in with me quickly, and I was very impressed with the service I received."
First American Home Warranty's Plans and Coverage
Pros
Covers up to $3,500 per appliance
Upgrades include installation oversight, code compliance, and disposal assistance
No limit on the number of service requests
Cons
Premium Plan is expensive
No systems-only plan available
Compare the Best Home Warranty Companies in Arizona
Why Do You Need a Home Warranty?
Unexpected home repairs can strain your budget. With Arizona's high cost of living, particularly in Phoenix, Tucson, and other urban areas, these unexpected costs can be especially tough to manage.
Home warranties help you manage expenses and maintain your properties without sudden out-of-pocket costs by offsetting repair and maintenance costs. Rather than paying for a $500 AC repair, a home warranty provider covers the bill for a small service fee.
Home Warranty Regulations in Arizona
Arizona has a government department that oversees home warranties. Companies must be licensed and meet specific standards around financial stability and ethical business practices. This helps ensure that:
- What's covered by the warranty is clearly explained to the consumer
- Claims are handled reliably
- There's a process to resolve claim disputes
Arizona offers ways to file complaints if you have issues with your warranty provider. These can be submitted through the Department of Insurance website or the Attorney General's Office.
How Do I Choose Home Warranty in Arizona?
Since coverage varies between providers, it’s essential to thoroughly review options before signing up.
Check How Much the Company Covers
When buying a home warranty in Arizona, consider the extent of the company's coverage. This means examining what appliances and systems are protected—like your air conditioner, plumbing, or refrigerator—and understanding any exclusions.
For instance, if your pool or spa isn't covered by the standard plan, you might need to pay extra for additional coverage. This is why it's essential to know what items aren't covered by home warranty providers.
Find Out About Service Response Times
Service response time is another crucial factor. Evaluate how quickly the company commits to addressing claims. Ideally, repairs should be completed within 24 to 48 hours to get your cooling system up and running again if it's the middle of summer.
Consider the Monthly Costs and Service Fees
Warranty plans typically require a monthly payment plus a service fee every time a technician visits. For example, a plan might cost $50 monthly with a $75 fee per service call, which could affect your overall budget.
Review the finer details around service fees. Many plans charge per-dispatch or overtime fees for evenings and weekends that quickly multiply, so anticipate and budget for these non-premium costs.
Check for Additional Coverage
Look into additional coverage or perks that could make a plan more valuable. Some of the best home warranties for HVAC systems offer unique benefits like free checks or discounted repair services for items not covered under the warranty. These extras enhance the plan's worth.
Carefully Review the Contract Terms
Ensure the agreement clearly outlines coverage limits, how to file a successful home warranty claim, and the process to renew your contract. A transparent contract should detail everything from what constitutes a covered breakdown to how disputes are resolved.
Read User Reviews
When selecting a home warranty in Arizona, check reviews from other local homeowners. Sites like Trustpilot and the Better Business Bureau can provide insight into companies' reputations and services.
Focus on Arizona's Specific Needs
Arizona's unique climate demands a tailored approach to home warranties. Focus on plans that cover systems and appliances prone to wear from extreme temperatures, such as air conditioning units. This specificity ensures your warranty is a true safety net, offering peace of mind amidst the desert's challenges.
Protect Your Arizona Home With a Warranty Provider
While home warranties are optional, they can provide helpful protection for Arizona homeowners. You have several excellent options when choosing a home warranty provider for your house, such as Select Home Warranty and American Home Shield.
Along with purchasing a home warranty plan, it's wise to develop basic home maintenance skills. Mastering simple preventative care and knowing who to call for more significant issues will ensure you and your family can enjoy your home for years to come.
» Look out for these 10 red flags when buying a home.
FAQs
Can I choose my own repair technicians with a home warranty plan in Arizona?
Most home warranty companies have a network of pre-approved contractors and technicians. Typically, you can't choose your repair technician; the company dispatches someone from their network to handle your repairs. However, some plans have flexibility with this under certain conditions.
What happens if an appliance or system cannot be repaired under a home warranty?
If a covered appliance or system can't be repaired, the home warranty company will typically replace it or provide a cash settlement for the item's depreciated value. Your contract should specify the replacement and settlement process, such as any dollar limits on replacements or conditions impacting the resolution.
Can I cancel a home warranty plan, and are there any penalties?
Yes, you can cancel a home warranty plan. Most companies allow for cancellation within a specific period for a full refund if you haven't filed a claim. If you cancel after this period, you might receive a prorated refund and could be subject to a cancellation fee. The exact terms should be in your contract.
What are common home warranty claims in Arizona?
HVAC systems, refrigerators, and pool equipment often wear out from constant use in hot summers. The area's hard water causes sediment build-up in plumbing and water heaters. Electrical systems and appliances are also at risk from power surges during monsoon season.
